New India Insurance Plans

New India Jan Arogya Bima Policy

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Coverage type
Coverage State
Coverage City
Coverage amount
Date of birth
  OR age    years
* Name, Email Id & Mobile No. are required 

This policy is designed to provide cheap medical insurance to poorer sections of society Premium upto₹10,000/- qualifies for tax benefit under Sec 80D of the Income Tax Act. Service tax is not applicable to the policy.


The coverage is along the lines of individual mediclaim policy except that cumulative bonus and medical checkup benefits are not included. The Sum Insured per insured person is restricted to ₹5,000/.

New India Health Insurance Review

New India Assurance Health Insurance
New India Assurance Insurance sum insured
2 lacs − 100 lacs options available
Incurred Claims Ratio *
New India Insurance tenure options
1 year
Claims Settlement Ratio **
List of network hospitals
3,000+ hospitals
Number of policies issued *
Maximum family floater coverage
Self, Spouse + dependent (children + parent)
Number of lives covered *
* As per IRDAI report for 2018-19   |   ** As per NL25 data published on the Insurance Company website

New India Assurance Jan Arogya Bima Policy benefits

  • Eligibility
  • Coverages
  • Exclusions

Eligibility Criteria of New India Assurance Jan Arogya Bima Policy

The policy is available to individuals and family members. The age limit is 5 to 70 years. Children between the age of 3 months and 5 years can be covered provided one or both parents are covered concurrently.

Coverages of New India Assurance Jan Arogya Bima Policy

  • The Policy covers reimbursement of Hospitalisation Expenses or Domiciliary Treatment in India under Domiciliary Hospitalisation benefit for Illness/ Injury sustained.
  • In event of any claim being admissible, following Reasonable and Customary expenses are reimbursable under the policy:
    • Room, Boarding Expenses as provided by the Hospital
    • Nursing Expenses
    • Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialist Fees.
    • Anaesthesia, Blood, Oxygen, Operation Theatre Charges, Surgical Appliances, Medicines & Drugs, Diagnostic Materials and X-Ray, Dialysis, Chemotherapy, Radiotherapy, Cost of Pacemaker, Artificial Limbs & Cost of Organs and similar expenses.

Exclusions under New India Jan Arogya Bima Policy

The Company shall not be liable to make any payment under this policy in respect of anyexpenses whatsoever incurred by any insured with or in respect of:
  • PRE-EXISTING DISEASES/CONDITION BENEFITS will not be available for any condition(s)as defined in the policy, until 48 months of continuous coverage have elapsed, sinceinception of the first policy with the Company.
  • Any expenses on Hospitalisation incurred during first 30 days from the commencementdate of insurance cover except in case of Injury arising out of accident.
  • During the first year of the operation of insurance cover, the expenses on treatment ofdiseases such as Cataract, Benign Prostatic Hypertrophy, Hysterectomy for Menorrhagiaor Fibromyoma, Hernia, Hydrocele, Congenital Internal diseases. Fistula in anus, piles,Sinusitis and related disorders are not payable.
  • Injury or Illness, directly or indirectly caused by arising from or attributable to WarInvasion Act of Foreign Enemy, Warlike operations (whether war be declared or not).
  • Circumcision unless necessary for treatment of an Illness not excluded hereunder or asmay be necessitated due to an accident, vaccination or inoculation or change of life orcosmetic or aesthetic treatment of any description, plastic surgery other than as may benecessitated due to an accident or as a part of any Illness.
  • Cost of spectacles and contact lenses, hearing aids.
  • Dental treatment or surgery of any kind unless requiring Hospitalisation.
  • Convalescence, general debility, "Run-down" condition or rest cure, congenital externaldisease or defects or anomalies, sterility, venereal disease, intentional self-Injury and useof intoxicating drugs/alcohol.
  • All expenses arising out of any condition directly or indirectly caused due to or associatedwith HumanT-Cell Lymphotropic Virus III (HTLB-III) or Lymphadinopathy Associated Virus(LAV) or the Mutants Derivative or Variations Deficiency Syndrome or any Syndrome orcondition of a similar kind commonly referred to as AIDS.
  • Charges incurred at Hospital primarily for diagnostic, X-Ray or laboratory examinationsnot consistent with or incidental to the diagnosis and treatment of the positive existenceor presence of any Illness or Injury, for which confinement is required at a Hospital.
  • Expenses on vitamins and tonics unless forming part of treatment for Injury as certified bythe attending Physician.
  • Injury or Illness directly or indirectly caused by or contributed to by nuclearweapons/materials.
  • Maternity Expenses.
  • Naturopathy treatment.
  • Treatment for Age Related Macular Degeneration (ARMD) , treatments such as RotationalField Quantum Magnetic Resonance (RFQMR), External Counter Pulsation (ECP),Enhanced External Counter Pulsation (EECP), Hyperbaric Oxygen Therapy
Disclaimer: “For the detailed list of exclusions under the policy, kindly refer to the same provided in your policy kit”

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New India Health Insurance FAQ’s

We may refuse to renew the Policy only on rare occasions such as fraud, misrepresentation or suppression or non–cooperation being committed by You or any one acting on Your behalf in obtaining insurance or subsequently in relation thereto. If We discontinue selling this Policy, it might not be possible to renew this Policy on the same terms and conditions. In such a case You shall however have the option for renewal under any similar Policy being issued by the Company, provided the benefits payable shall be subject to the terms contained in such other Policy.

In case of revision or modification or withdrawal of the Policy a notice will be provided to You 90 days before such revision or modification or withdrawal. Renewal can also be refused if the Policy is not renewed before expiry of the Policy or within the Grace Period.

Claims for Illnesses cannot be made during the first thirty days of a fresh Insurance policy. However, claims for Hospitalization due to accidents occurring during the first thirty days are payable. There are certain treatments where the waiting period is two years or four years.

Third Party Administrator (TPA) is a service provider to facilitate service to You for providing Cashless facility for all hospitalizations that come under the scope of Your policy. The TPA also settles reimbursement claims within the scope of the Policy.

Cashless hospitalization is service provided by the TPA on Our behalf whereby you are not required to settle the hospitalization expenses at the time of discharge from hospital. The settlement is done directly by the TPA on Our behalf. However those expenses which are not admissible under the Policy would not be paid, and You would have to pay such inadmissible expenses to the Hospital. Cashless facility is available only in Networked Hospitals. Prior approval is required from the TPA before the patient is admitted into the Network Hospital. The list of Network Hospitals can also be obtained from the TPA or from their website. You will have full freedom to choose the hospitals from the Network Hospitals and avail Cashless facility on production of proof of Insurance and Your identity, subject to the claim being admissible. The TPA might not agree to provide Cashless facility at a Hospital which is not a Network Hospital. In such cases You may avail treatment at any Hospital of Your choice and seek reimbursement of the claim subject to the terms and conditions of the Policy. In cases where the admissibility of the claim could not be determined with the available documents, even if the treatment is at a Network Hospital, the TPA may refuse to provide Cashless facility. Such refusal may not necessarily mean denial of the claim. You may seek reimbursement of the expenses incurred by producing all relevant documents and the TPA may pay the claim, if it is admissible under the terms and conditions of the Policy.


Review New India Assurance Jan Arogya Bima Prospectus brochure to understand coverage details.

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Policy wordings

Review New India Assurance Jan Arogya Bima Policy wordings which explains the terms and conditions.

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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2022